NBTB · Nbt Bancorp Inc
Price & Indicators
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AI Brief
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
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| CET1 ratio | 12.34% | first quarter of 2026 | — |
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| Net charge-offs to average loans | 0.17% | first quarter of 2026 | — |
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| Net interest income on a fully taxable equivalent basis non-GAAP | $134.9M | first quarter of 2026 | — |
| Nonperforming assets to total assets | 0.38% | first quarter of 2026 | — |
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| Nonperforming loans to total loans | 0.53% | first quarter of 2026 | — |
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| Acquisition-related net accretion | $7.4M | Q4 FY2025 | — |
| Allowance for loan losses to total loans | 1.19% | Q4 FY2025 | — |
| Earning asset yields | 5.08% | Q4 FY2025 | — |
| Leverage ratio | 9.48% | Q4 FY2025 | — |
| Loan to deposit ratio | 85.9% | Q4 FY2025 | — |
| Net interest margin (FTE) non-GAAP | 3.65% | Q4 FY2025 | — |
| Operating diluted earnings per share non-GAAP | $1.05 | Q4 FY2025 | — |
| Reported return on average assets | 1.37% | Q4 FY2025 | — |
| Reserve for unfunded loan commitments | $5.8M | Q4 FY2025 | — |
| Return on average tangible common equity | 17.05% | Q4 FY2025 | — |
| Tangible book value per share non-GAAP | $26.54 | Q4 FY2025 | — |
| Tangible equity to assets non-GAAP | 8.95% | Q4 FY2025 | — |
| Total cost of deposits | 1.44% | Q4 FY2025 | — |
| Total cost of funds | 1.51% | Q4 FY2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
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NBTB
this stock
Nbt Bancorp Inc
|
$2.72B | +24.7% | +10.4% | 14.8 | 3.4% |
|
MFG
Mizuho Financial Group Inc
|
$129.50B | +44.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$119.29B | -36.4% | +15.2% | — | 0.4% |
|
IBN
Icici Bank Ltd
|
$105.84B | -1.9% | — | — | 0.6% |
|
PNC
Pnc Financial Services Group, Inc.
|
$100.79B | +20.3% | +7.2% | 14.6 | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| NBTB | -3.5% | +5.3% | +17.4% | +4.0% | +24.7% |
| SPY | -1.7% | +0.7% | +6.4% | -1.2% | +8.3% |
| vs SPY | -1.8% | +4.7% | +11.0% | +5.1% | +16.4% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.